规划贷款、成本和住房决策的购房者和业主。
EMI Affordability Calculator
Find out the maximum property you can afford based on your monthly income, existing EMIs, and loan terms. See affordable EMI, max loan, down payment, stamp duty, registration charges, and total upfront cost.
计算方法说明 - 方法论、公式及来源最高房产价格
₹72,01,927
Based on ₹50,000/month EMI capacity
Banks typically allow EMIs up to 50% of net income. Your maximum affordable EMI is ₹50,000/month.
贷款详情
Max loan amount
₹57,61,542
月 EMI
₹50,000
总还款额
₹1,20,00,000
总利息
₹62,38,458
前期费用
Down payment (20%)
₹14,40,385
Stamp duty (6%)
₹4,32,116
Registration (1%)
₹72,019
前期费用合计
₹19,44,520
You need ₹19,44,520 upfront to buy
For a ₹72,01,927 property, you'll need ₹14,40,385 as down payment plus ₹5,04,135 for stamp duty and registration. Over 20 years, you'll pay ₹62,38,458 in interest (108% of loan amount).
Total cost breakdown
Loan Amortisation - Balance, Principal & Interest
| Year | Balance | Principal |
|---|---|---|
| 1 | ₹56,46,874 | ₹1,14,668 |
| 2 | ₹55,22,071 | ₹2,39,471 |
| 3 | ₹53,86,236 | ₹3,75,306 |
| 4 | ₹52,38,394 | ₹5,23,148 |
| 5 | ₹50,77,485 | ₹6,84,057 |
| 6 | ₹49,02,352 | ₹8,59,190 |
| 7 | ₹47,11,740 | ₹10,49,802 |
| 8 | ₹45,04,279 | ₹12,57,263 |
| 9 | ₹42,78,481 | ₹14,83,061 |
| 10 | ₹40,32,723 | ₹17,28,819 |
| 11 | ₹37,65,244 | ₹19,96,298 |
| 12 | ₹34,74,121 | ₹22,87,421 |
| 13 | ₹31,57,266 | ₹26,04,276 |
| 14 | ₹28,12,404 | ₹29,49,138 |
| 15 | ₹24,37,059 | ₹33,24,483 |
| 16 | ₹20,28,537 | ₹37,33,005 |
| 17 | ₹15,83,906 | ₹41,77,636 |
| 18 | ₹10,99,973 | ₹46,61,569 |
| 19 | ₹5,73,264 | ₹51,88,278 |
| 20 | ₹0 | ₹57,61,542 |
什么是 FOIR？
FOIR (Fixed Obligations to Income Ratio) is the percentage of your monthly income that goes toward EMIs and fixed obligations. Banks typically allow 40-60% FOIR for home loan approval. Higher income borrowers may get up to 65%.
Note: This is an indicative calculation. Actual loan eligibility depends on credit score (CIBIL), age, employer profile, property type, and bank-specific policies. Stamp duty and registration charges vary by state. RBI LTV norms: up to ₹30L = 90% LTV, ₹30-75L = 80%, above ₹75L = 75%.